Credit union · NCUA insured
SAFE Federal Credit Union CD Rates
SAFE Federal Credit Union’s best CD rate is 4.25% APY on a 9-month share certificate (CD). Terms run from 3 months to 5 years. Rates checked October 22, 2026.
How SAFE Federal Credit Union’s CD rates compare
Compared with banks and credit unions near Columbia, SC, where SAFE Federal Credit Union has the most branches. $10,000, best rate first.
This credit union’s best
SAFE Federal Credit Union
4.25%APY
- Term
- 9 months
- Minimum
- $1,000
- Earns on $10,000
- $317
9 Month Specialty Share Certificate
Top rate
1st Cooperative Federal Credit Union
4.50%APY
- Term
- 15 months
- Minimum
- $1,000
- Earns on $10,000
- $566
2nd-highest rate
Carolinas Telco Federal Credit Union
4.30%APY
- Term
- 15 months
- Minimum
- $500
- Earns on $10,000
- $540
SAFE Federal Credit Union CD score
80
CD score
Higher than 53% of U.S. banks and credit unions
- 3–8 months3–8 mo3.45%
- 9–15 months9–15 mo4.25%
- 16–30 months16–30 mo2.35%
- 31–60 months31–60 mo1.10%
- QualifiedQualified4.25%
Each track runs from the lowest to the highest rate among U.S. banks and credit unions; the dot is this rate.Qualified: needs another account or monthly activity.
Where SAFE Federal Credit Union ranks
By CD score, in each area where it has branches
Every rate
Current CD rates
Rates from the credit union’s website. Earnings assume the rate doesn’t change.
9 Month Specialty Share Certificate
4.25%APY · 1 term
Minimum deposit $1,000. Automatically renews at maturity to a 12-month term Standard Certificate after a grace period of ten (10) calendar days.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 9 months | 4.25% | $317 |
Sources (2)
All captured Oct 22, 2026
Share Investment Certificates
Up to 3.50%APY · 8 terms
Standard and Jumbo tiers ($1,000 / $50,000 / $100,000 minimum deposits). Rates fixed for the term. Dividends compounded daily and credited monthly using Daily Balance computation method. Automatically renews at maturity after a 10 calendar day grace period; no additional deposits permitted after opening. Early withdrawal penalty: terms < 12 months forfeit 30 days dividends; terms >= 12 months forfeit 90 days dividends. Membership savings account required.
| Term | APY · $1,000 – $50,000 | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 3 months($100,000 minimum deposit) / $100,000+ | — | — | 0.90% | —0.90% from $100k | — |
| 3 months$50,000 tier ($50,000 minimum deposit) | — | 0.80% | — | —0.80% from $50k | — |
| 3 monthsStandard tier ($1,000 minimum deposit) / Up to $50,000 | 0.75% | — | — | 0.75% | $19 |
| 6 months($100,000 minimum deposit) / $100,000+ | — | — | 3.60% | —3.60% from $100k | — |
| 6 months$50,000 tier ($50,000 minimum deposit) | — | 3.50% | — | —3.50% from $50k | — |
| 6 monthsStandard tier ($1,000 minimum deposit) / Up to $50,000 | 3.45% | — | — | 3.45% | $171 |
| 12 months($100,000 minimum deposit) / $100,000+ | — | — | 3.65% | —3.65% from $100k | — |
| 12 months$50,000 tier ($50,000 minimum deposit) | — | 3.55% | — | —3.55% from $50k | — |
| 12 monthsStandard tier ($1,000 minimum deposit) / Up to $50,000 | 3.50% | — | — | 3.50% | $350 |
| 18 months($100,000 minimum deposit) / $100,000+ | — | — | 2.50% | —2.50% from $100k | — |
| 18 months$50,000 tier ($50,000 minimum deposit) | — | 2.40% | — | —2.40% from $50k | — |
| 18 monthsStandard tier ($1,000 minimum deposit) / Up to $50,000 | 2.35% | — | — | 2.35% | $355 |
| 24 months($100,000 minimum deposit) / $100,000+ | — | — | 2.25% | —2.25% from $100k | — |
| 24 months$50,000 tier ($50,000 minimum deposit) | — | 2.15% | — | —2.15% from $50k | — |
| 24 monthsStandard tier ($1,000 minimum deposit) / Up to $50,000 | 2.10% | — | — | 2.10% | $424 |
| 36 months($100,000 minimum deposit) / $100,000+ | — | — | 1.25% | —1.25% from $100k | — |
| 36 months$50,000 tier ($50,000 minimum deposit) | — | 1.15% | — | —1.15% from $50k | — |
| 36 monthsStandard tier ($1,000 minimum deposit) / Up to $50,000 | 1.10% | — | — | 1.10% | $334 |
| 48 months($100,000 minimum deposit) / $100,000+ | — | — | 1.15% | —1.15% from $100k | — |
| 48 months$50,000 tier ($50,000 minimum deposit) | — | 1.05% | — | —1.05% from $50k | — |
| 48 monthsStandard tier ($1,000 minimum deposit) / Up to $50,000 | 1.00% | — | — | 1.00% | $406 |
| 60 months($100,000 minimum deposit) / $100,000+ | — | — | 1.10% | —1.10% from $100k | — |
| 60 months$50,000 tier ($50,000 minimum deposit) | — | 1.00% | — | —1.00% from $50k | — |
| 60 monthsStandard tier ($1,000 minimum deposit) / Up to $50,000 | 0.95% | — | — | 0.95% | $484 |
Sources (2)
- safefed.org/checking-savings/money-market-certificates
- safefed.org/sites/default/file…it%20Rate%20Schedule.pdf
All captured Oct 4, 2026
Special-purpose accounts
IRA Certificates
Up to 3.50%APY · 7 terms
Available as Traditional or Roth IRA certificates. Membership savings account required. Rates fixed for the term. Dividends compounded daily and credited monthly using Daily Balance computation method. Automatically renews at maturity after a 10 calendar day grace period; no additional deposits permitted after opening. Early withdrawal penalty: terms < 12 months forfeit 30 days dividends; terms >= 12 months forfeit 90 days dividends.
| Term | APY · $1,000 – $50,000 | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 6 months($100,000 minimum deposit) / $100,000+. Minimum to earn dividends is $100,000 | — | — | 3.60% | —3.60% from $100k | — |
| 6 months>$50,000 minimum deposit / $50,000+. Minimum to earn dividends is $50,000 | — | 3.50% | — | —3.50% from $50k | — |
| 6 monthsRegular IRA tier ($1,000 minimum deposit) / Up to $50,000. Minimum to earn dividends is $1,000 | 3.45% | — | — | 3.45% | $171 |
| 12 months($100,000 minimum deposit) / $100,000+. Minimum to earn dividends is $100,000 | — | — | 3.65% | —3.65% from $100k | — |
| 12 months>$50,000 minimum deposit / $50,000+. Minimum to earn dividends is $50,000 | — | 3.55% | — | —3.55% from $50k | — |
| 12 monthsRegular IRA tier ($1,000 minimum deposit) / Up to $50,000. Minimum to earn dividends is $1,000 | 3.50% | — | — | 3.50% | $350 |
| 18 months($100,000 minimum deposit) / $100,000+. Minimum to earn dividends is $100,000 | — | — | 2.50% | —2.50% from $100k | — |
| 18 months>$50,000 minimum deposit / $50,000+. Minimum to earn dividends is $50,000 | — | 2.40% | — | —2.40% from $50k | — |
| 18 monthsRegular IRA tier ($1,000 minimum deposit) / Up to $50,000. Minimum to earn dividends is $1,000 | 2.35% | — | — | 2.35% | $355 |
| 24 months($100,000 minimum deposit) / $100,000+. Minimum to earn dividends is $100,000 | — | — | 2.25% | —2.25% from $100k | — |
| 24 months>$50,000 minimum deposit / $50,000+. Minimum to earn dividends is $50,000 | — | 2.15% | — | —2.15% from $50k | — |
| 24 monthsRegular IRA tier ($1,000 minimum deposit) / Up to $50,000. Minimum to earn dividends is $1,000 | 2.10% | — | — | 2.10% | $424 |
| 36 months($100,000 minimum deposit) / $100,000+. Minimum to earn dividends is $100,000 | — | — | 1.25% | —1.25% from $100k | — |
| 36 months>$50,000 minimum deposit / $50,000+. Minimum to earn dividends is $50,000 | — | 1.15% | — | —1.15% from $50k | — |
| 36 monthsRegular IRA tier ($1,000 minimum deposit) / Up to $50,000. Minimum to earn dividends is $1,000 | 1.10% | — | — | 1.10% | $334 |
| 48 months($100,000 minimum deposit) / $100,000+. Minimum to earn dividends is $100,000 | — | — | 1.15% | —1.15% from $100k | — |
| 48 months>$50,000 minimum deposit / $50,000+. Minimum to earn dividends is $50,000 | — | 1.05% | — | —1.05% from $50k | — |
| 48 monthsRegular IRA tier ($1,000 minimum deposit) / Up to $50,000. Minimum to earn dividends is $1,000 | 1.00% | — | — | 1.00% | $406 |
| 60 months($100,000 minimum deposit) / $100,000+. Minimum to earn dividends is $100,000 | — | — | 1.10% | —1.10% from $100k | — |
| 60 months>$50,000 minimum deposit / $50,000+. Minimum to earn dividends is $50,000 | — | 1.00% | — | —1.00% from $50k | — |
| 60 monthsRegular IRA tier ($1,000 minimum deposit) / Up to $50,000. Minimum to earn dividends is $1,000 | 0.95% | — | — | 0.95% | $484 |
Millionaires of Tomorrow Youth Certificate
3.55%APY · 1 term
For kids/members age 0 through 12. Rates fixed for the term. Dividends compounded daily and credited monthly using Daily Balance computation method. Automatically renews at maturity after a 10 calendar day grace period; no additional deposits permitted after opening. Early withdrawal penalty: terms of 12 months or greater forfeit 90 days dividends. Membership savings account required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFor kids/members age 0 through 12. Minimum opening deposit and minimum to earn dividends is $100 | 3.55% | $355 |
Sources (3)
- safefed.org/rates
- safefed.org/sites/default/file…it%20Rate%20Schedule.pdf
- safefed.org/checking-savings/money-market-certificates
All captured Oct 22, 2026
U29 Account Certificate
3.55%APY · 1 term
For members age 18 through 29. Rates fixed for the term. Dividends compounded daily and credited monthly using Daily Balance computation method. Automatically renews at maturity after a 10 calendar day grace period; no additional deposits permitted after opening. Early withdrawal penalty: terms of 12 months or greater forfeit 90 days dividends. Membership savings account required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFor members age 18 through 29. Minimum opening deposit and minimum to earn dividends is $500 | 3.55% | $355 |
Sources (3)
- safefed.org/rates
- safefed.org/sites/default/file…it%20Rate%20Schedule.pdf
- safefed.org/checking-savings/youth-accounts
All captured Oct 22, 2026
Y Certificate
3.55%APY · 1 term
Available to members age 13 through 17. Rates fixed for the term. Dividends compounded daily and credited monthly using Daily Balance computation method. Automatically renews at maturity after a 10 calendar day grace period; no additional deposits permitted after opening. Early withdrawal penalty: terms of 12 months or greater forfeit 90 days dividends. Membership savings account required.
| Term | APY | Earns on $10,000Earns |
|---|---|---|
| 12 monthsFor young members age 13 through 17. Minimum opening deposit and minimum to earn dividends is $500 | 3.55% | $355 |
Sources (3)
- safefed.org/rates
- safefed.org/sites/default/file…it%20Rate%20Schedule.pdf
- safefed.org/checking-savings/money-market-certificates
All captured Oct 22, 2026
Easy Street Certificate
2.95%APY · 1 term
Available to members age 50 or older who maintain either (a) at least $1,000 in qualifying share balances (excluding Checking, Holiday Club, and escrow shares) or (b) direct deposits totaling at least $300 per month, with the most recent deposit received within the last 45 days. Rates fixed for the term. Automatic renewal after 10-day grace period. Early withdrawal penalties apply: terms < 12 months forfeit 30 days dividends; terms >= 12 months forfeit 90 days dividends. Membership savings account required.
| Term | APY · $1,000 – $50,000 | APY · $50,000 and up | APY · $100,000 and up | APY | Earns on $10,000Earns |
|---|---|---|---|---|---|
| 24 months$100,000+ | — | — | 3.10% | —3.10% from $100k | — |
| 24 months$50,000+ | — | 3.00% | — | —3.00% from $50k | — |
| 24 monthsUp to $50,000 | 2.95% | — | — | 2.95% | $599 |
Sources (2)
All captured Oct 22, 2026
Who can join SAFE Federal Credit Union
This may be incomplete or out of date, so check with the credit union before you apply.
Where you live or work
- Individuals whose address falls within an approved census tract in Lexington County, Richland County, or Kershaw County are eligible for membership.
- Individuals who live, work, worship, or go to school in Clarendon County, Florence County, Lee County, or Sumter County are eligible for membership.
Employers and groups
- Employees and affiliates of organizations with Select Employee Group (SEG) status with SAFE are eligible for membership.
Family and household
- Immediate family members of individuals employed by or affiliated with a Select Employee Group (SEG) are eligible for membership.
Membership information collected October 4, 2026.